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About us

Unlock Your Property’s Potential with Creative Finance

At Smart Creative Finance, we are dedicated to transforming the real estate landscape through innovative and flexible financing solutions. Established with a vision to empower realtors, buyers, and sellers alike, we specialize in creative finance strategies that facilitate higher closing prices, increased commissions, and seamless transactions. Our expertise encompasses a wide range of financial techniques, including seller financing, “Subject To” deals, lease options, and more. By offering these diverse solutions, we enable buyers to access properties that may have seemed out of reach, sellers to achieve optimal sale prices, and realtors to close more deals with enhanced profitability. We believe in creating win-win-win scenarios where every party involved in a transaction benefits. Our team of experienced professionals is committed to providing personalized support and guidance, ensuring that our clients can navigate complex financial arrangements with confidence and ease. At Smart Creative Finance, we are more than just a finance company; we are your strategic partner in achieving real estate success. Join us in revolutionizing the way real estate deals are financed and experience the benefits of smart, creative financial solutions.

How can we do it?

Making Real Estate Dreams a Reality

At Smart Creative Finance, our mission is to turn real estate dreams into reality by creating innovative, win-win-win solutions for sellers, buyers, and realtors through creative financing methods.

Here’s how we achieve this:

For Sellers:

Higher Sale Prices: By offering creative financing options like seller financing or lease options, we attract a broader pool of buyers, including those who may not qualify for traditional mortgages. This increased demand can lead to higher sale prices, benefiting sellers financially.

Faster Sales: Creative financing can expedite the selling process by providing more flexible terms to buyers, reducing the time properties spend on the market. Sellers can close deals more quickly, minimizing holding costs and moving on to their next investment or personal goals sooner.

Flexible Payment Terms: Seller financing allows sellers to receive payments over time, creating a steady stream of income that can often exceed the lump sum received from a traditional sale. This can be especially advantageous for sellers looking for ongoing revenue.

For Buyers:

Increased Access to Properties: Our creative financing solutions, such as “Subject To” deals and seller financing, make homeownership accessible to a wider range of buyers, including those with less-than-perfect credit or limited upfront cash. This opens up opportunities to purchase homes that might otherwise be unattainable.

Affordable Payment Plans: We work with buyers to create customized payment plans that fit their financial situation, making homeownership more affordable and manageable. This flexibility helps buyers achieve their real estate goals without the constraints of traditional financing.

Faster Homeownership: By bypassing the lengthy traditional mortgage approval process, buyers can move into their new homes more quickly. This accelerates the path to building equity and enjoying the benefits of homeownership.

For Realtors:

More Closed Deals: By incorporating creative financing options, realtors can close more deals that might otherwise fall through due to financing obstacles. This increases their success rate and enhances their reputation as problem-solvers in the market.

For Realtors

Close more deals faster, at higher price & earn more commission

Step 1:

Promote creative finance solutions to your sellers

Step 2:

If your seller is interested, submit the property details on our website

Step 3:

We will get you the buyer

Step 4:

Close deal faster and at higher than asking price plus 0.5% extra commission from us on top of your conventional commission from seller

For Sellers

Achieve higher selling price with tax benefits

Step 1:

Submit your property details to our website

Step 2:

We will get you the buyer

Step 3:

Close deal faster and at higher than your asking price with extra tax benefits

For Buyers

Purchase property with lower cost and barriers

Step 1:

Submit your details and ideal property to our website

Step 2:

We will send the shortlisted property to you

Step 3:

Close deal faster, at a lower cost and barriers to own your ideal property

Services

Seller Financing

The seller acts as the lender, allowing the buyer to make payments directly to them instead of securing a traditional mortgage. This can help buyers who have difficulty qualifying for conventional loans and provides sellers with a steady income stream.

Lease Option

The buyer leases the property with an option to purchase it at a later date. A portion of the rent paid may be applied towards the purchase price, allowing the buyer time to improve their credit or save for a down payment while living in the property.

Subject To (Sub2)

The buyer takes over the seller’s existing mortgage payments while the loan remains in the seller’s name. This allows the buyer to acquire property without having to secure new financing, and the seller can transfer ownership without paying off their mortgage.

Wraparound Mortgage

The seller creates a new mortgage that “wraps around” the existing mortgage. The buyer makes payments to the seller, who then uses part of those payments to pay the original mortgage. This can provide the seller with additional profit through interest rate differences and allows the buyer to finance the purchase without obtaining a new loan.

Contract for Deed (Land Contract)

The seller retains legal title to the property while the buyer makes regular payments. Once the agreed-upon amount is paid, the seller transfers the title to the buyer. This strategy can benefit buyers who cannot obtain traditional financing and sellers who want to ensure steady income.

Equity Sharing

The buyer and an investor (or seller) jointly purchase the property, sharing the equity. The buyer typically lives in the property and makes payments, while the investor provides the necessary capital. Upon sale or refinancing, the proceeds are divided according to the equity share agreement.

What are you waiting for?

Whether you are a seller aiming to achieve the highest price for your property while minimizing capital gains tax, a buyer seeking to purchase your ideal home at a lower cost, or a realtor working to close a challenging deal, we invite you to contact us.